Neenys UE Diary

[NeenyT]

Hi Diana. It was “a” credit agreement, one page. No idea of when it relates to. Should there be a date on there? I sent to Niddy and he advised it was not even close to being enforceable, but I’m not sure on what grounds. x

[Joanna Connolly Solicitors]

Updated as letter received recently.

Did Wescot's letter enclose the credit agreement for your Santander credit card from 2010?

Di

[NeenyT]

Debt 6 PRA31

Type of account: Barclaycard Credit Card
Date commenced: 24.06.2013
Approx balance: £1900
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via PRA
Status Defaulted: 18.07.2016
Account owner: PRA
04/07/2019 - CCA request sent via email
05/07/2019 - Response received from PRA stating they do not keep these agreements so will go to Barclaycard to get them.
09/07/2019 - CCA via recorded delivery inc £1.
15/07/2019 - Response Received with only copy statements
04/08/2019 - Emailed to Niddy for checking, no response as yet.
22/08/2019 - Response from Niddy stating UE due to only being screenprints.
05.09.2019 - Further email received from PRA including "historic & varied terms".
28/11/2019 - received gumpf through post. Sent to Niddy and has advised still UE.

Updated as more gumpf received recently.

[NeenyT]

Debt 1

Type of account: Santander Credit Card
Date commenced: 25.05.2010
Approx balance: £1240
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via Wescot
Status Defaulted: 31.08.2016
Account owner: Wescot
09/07/2019 - CCA sent
13/07/2019 - Letter received from Wescot acknowledging receipt of CCA request, stating they have requested the information from Santander (Original debt owner).
18/07/2019 - Letter received from Wescot saying they enclosed a copy transaction list as I requested (I did not, I sent the full CCA request). Payments showing to them only since my IVA ended, nothing from payments to Santander during IVA. (Assuming this is not sufficient so not going to email Webmaster unless otherwise advised to).
21/08/2019 - Letter received from Wescot stating info still not received from Santander (regarding CCA request sent 09/07/2019)
28/11/2019 - Letter received from Wescot. Sent to Niddy for checking.

Updated as letter received recently.

[Joanna Connolly Solicitors]

Hi again, Di.

Got your notification but got the following when I tried to open it: "Sorry, you are not authorized to view this page"

How strange. I didn't send you a notification.

It must have been a technical blip.

Good news about all the debts which are currently unenforceable.

Have a nice weekend.

Di

[NeenyT]

You should only deal with PRA in writing, not by email.

Di

Hi again, Di.

Got your notification but got the following when I tried to open it: "Sorry, you are not authorized to view this page"

[NeenyT]

Debt 2

Type of account: Barclaycard Credit Card (via IHG chain, International Hotel Group)
Date commenced: 30.04.2012
Approx balance: £2190
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying direct
Status Defaulted: 18.07.2016
Account owner: Barclaycard
09/07/2019 - SAR request sent to Barclaycard
12/07/2019 - Letter received from Barclaycard acknowledging receipt of SAR request, stating they will provide requested information within 90 days. They may call me for verification purposes.
05.08.2019 - CCA sent to Barclaycard
05.09.2019 - Letter received from Barclaycard stating they are unable to enforce this debt as they are unable to fulfil my request. Currently UE

[NeenyT]

Debt 6 PRA31

Type of account: Barclaycard Credit Card
Date commenced: 24.06.2013
Approx balance: £1900
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via PRA
Status Defaulted: 18.07.2016
Account owner: PRA
04/07/2019 - CCA request sent via email
05/07/2019 - Response received from PRA stating they do not keep these agreements so will go to Barclaycard to get them.
09/07/2019 - CCA via recorded delivery inc £1.
15/07/2019 - Response Received with only copy statements
04/08/2019 - Emailed to Niddy for checking, no response as yet.
22/08/2019 - Response from Niddy stating UE due to only being screenprints.
05.09.2019 - Further email received from PRA including "historic & varied terms".
28/11/2019 - received gumpf through post. Sent to Niddy and has advised still UE.

[NeenyT]

Debt 5 PRA32

Type of account: Barclaycard Credit Card
Date commenced: 24.06.2013
Approx balance: £1730
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via PRA
Status Defaulted: 18.07.2016
Account owner: PRA
04/07/2019 - CCA request sent via email
05/07/2019 - Response received from PRA stating they do not keep these agreements so will go to Barclaycard to get them.
09/07/2019 - CCA via recorded delivery inc £1.
15/07/2019 - Response Received with only copy statements
04/08/2019 - Emailed to Niddy for checking, no response as yet.
22/08/2019 - Response from Niddy stating UE due to no signed agreement, just screenprints.
05.09.2019 - Further email received from PRA including "historic & varied terms".

[NeenyT]

Debt 3 PRA33

Type of account: Barclaycard Credit Card
Date commenced: 27.06.2013
Approx balance: £280
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via PRA
Status Defaulted: 18.07.2016
Account owner: PRA
04/07/2019 - CCA request sent via email
09/07/2019 - CCA via recorded delivery inc £1.
19/07/2019 - Emailed letter received includes short form cancellation, historic terms and varied terms.
04/08/2019 - Emailed to Niddy for checking, no response as yet.
22.08.2019 - Response from Niddy stating UE due to no signed agreement, only a set of terms sent
05.09.2019 - Email received from PRA (again) including copy statements this time.

[NeenyT]

You should only deal with PRA in writing, not by email.

Di

Hi Di,

I did put my request in writing to them along with the £1 postal orders. They send me some documents via post and some via email. Think they are trying to confuse matters, but they haven't banked on me having you guys very kindly helping me out. I would not have had a scooby without all your help to be honest. I have everything documented anyway, but Niddy has said that some of the documents they sent me were merely screenprints?!?!? How on earth did I not notice that? Guess it's because I really don't know what I am looking for. x

[Joanna Connolly Solicitors]

Debt 4 PRA30

Type of account: Barclaycard Credit Card
Date commenced: 27.06.2013
Approx balance: £841
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via PRA
Status Defaulted: 18.07.2016
Account owner: PRA
04/07/2019 - CCA request sent via email
05/07/2019 - Response received from PRA stating they do not keep these agreements so will go to Barclaycard to get them.
09/07/2019 - CCA via recorded delivery inc £1.
29.08.2019 - Letter received from PRA stating this debt currently UE but are awaiting documents from Barclaycard to comply with my CCA request.
04/09/2019 new update - Email received from PRA with sometimes illegible and frankly dodgy looking terms as they sent with the other three accounts. Sent to Niddy just to be sure.

You should only deal with PRA in writing, not by email.

Di

[NeenyT]

Debt 4 PRA30

Type of account: Barclaycard Credit Card
Date commenced: 27.06.2013
Approx balance: £841
Date last paid: Last Payment 21.06.2019
Are you on arrangement or not paying: Was in IVA with Step Change between Aug 2016 to Oct 2018, now paying via PRA
Status Defaulted: 18.07.2016
Account owner: PRA
04/07/2019 - CCA request sent via email
05/07/2019 - Response received from PRA stating they do not keep these agreements so will go to Barclaycard to get them.
09/07/2019 - CCA via recorded delivery inc £1.
29.08.2019 - Letter received from PRA stating this debt currently UE but are awaiting documents from Barclaycard to comply with my CCA request.
04/09/2019 new update - Email received from PRA with sometimes illegible and frankly dodgy looking terms as they sent with the other three accounts. Sent to Niddy just to be sure.

[NeenyT]

To be honest, I'm not sure how I could tell which one was the successful application. I got 4 cards through at the same time with only one confirmation email (which obviously had no card number attached to it) so I'm unsure how I could possibly ascertain which one actually went through.

I applied FIVE times, 4 rejections due to "system error" then the final attempt resulted in confirmation it had gone through.
Received 4 cards, then a letter stating another attempt (presumably the successful fifth attempt) was rejected.

[Joanna Connolly Solicitors]

Can you just remind me which of those four debts was the one with the successful application.

Di